SME financing

SME financing

We're here to help you

We're here to help you

A team of professionals

A team of professionals

Risk management and best banking practices

Risk management and best banking practices

Training adapted to your needs

Training adapted to your needs

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Devis

Contact-us

contact

4630 Miller Av., Montréal (Québec)
Canada H3W2E3

514-259-4440

514-259-4718

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12th Fl., Des Voeux Comm. Bldg 212-214 Des Voeux Rd. Central Sheung Wan, Hong Kong

852-2544-0733

852-2544-5733

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Capacity Building and Training

CIF provides tailored training sessions for financial institutions in risk management adapted to local environments. Our training sessions focus on practical aspects and include several case studies from the real customer files of the financial institutions. This facilitates the comprehension and adds a concrete aspect to the theory. Follow some training courses delivered by CIF.
Catalogue actuel :

Credit Risk Management:

Credit Risk Overview

The rapid pace of change in the global financial environment demands constant updating of credit skills. The requirement to prepare for Basel II & Basel III compliance, has refocused attention on credit risk and the obligation for bankers to learn and practice new techniques.

Cash flow analysis:

Tomorrow's cash flow repays the loan made today. Thus, understanding the true cash flow generating capacity of a business, both historically and projected in the future, is critical to accurately assess credit risk. This seminar helps the participant develop an understanding of how other analytical considerations, ratios, the competitive marketplace, and company management, affect cash flow and the ability of a company to meet its obligations from cash generated internally.

SME Corporate credit and cash flow analysis:

This seminar explores the cash ramifications of accrual accounting and of those financial ratios derived from accrual-based data. It stresses the importance of cash for meeting debt service obligations by evaluating the management, business dynamics and external factors impacting business. Participants learn how to use liquidity and solvency ratios to set covenants to manage and mitigate risks.

Fundamentals of credit analysis:

This seminar aims to provide delegates with the knowledge necessary to enable them to embark on the process of analyzing the degree of risk in a borrowing corporate entity. As delegates progress through this program, they undertake case studies and exercises. At the end of this seminar, participants should be able to prepare a credit analysis and give an opinion on lending and under what conditions.

Risk rating and scoring:

Risk rating is the key process for all financial institutions. It is this rating which permits a bank to measure, continuously, the quality of its portfolio and to introduce a risk management strategy. Risk rating and/or scoring systems seminar help the participants to identify qualitative and quantitative risk variables to forecast future repayment capacity in the SME market. Several methods in risk rating can be applied for minimizing the peril of credit risks on local markets. This seminar also covers the probability of default (PD), loss given default (LGD) and exposure at default (EAD) concepts in line with Basel II & Basel III.

Credit process:

Having a clear, transparent and standardized credit process is crucial for a financial institution. This seminars aims to provide delegates with the knowledge to enable them to build a process adapted to their local environment. This process includes credit approval, credit monitoring, establishing covenants and early warning signals. This seminar is practical oriented and as delegates progress through this program, they undertake case studies and exercises.

Credit development:

This training helps the participants to do better planning given the conditions of the markets they operate in, develop strategies to preserve their SME customers and institute programs to create new ones.

Credit bureaus:

Credit bureau seminar helps the participants to identify qualitative and quantitative risk variables to forecast future repayment capacity in the SME market.

Operational Risk management :

Topics include:

  • Definition of the Operational Risk
  • Basel II & Basel III and Operational Risk
  • How to address this Risk in terms of organization structure?
  • How to measure this Risk?
  • How to manage and monitor the Operational risk?


Asset and Liability management (ALM):

Topics include:

  • Value-At-Risk (VAR)
  • Earnings-At-Risk (EAR)
  • Equity-At-Risk (EQAR)
  • Funds-Transfer-Pricing (FTP)
  • RAROC
  • Interest Rate Risk  
  • Earnings Simulations
  • Balance Sheet Management
  • Capital Allocation (RAROC, RORAC)
  • Asset Liability Management Models (Including BancWare, IPS-Sendero, QRM, and Algorithmics)
  • Other ALM Topics


Market Risk Management:

In this seminar, delegates learn to identify, measure, control, and monitor market risks, especially interest and foreign exchange risks. This course combines the perspective of market participants as well as central bank regulators. This seminar is practical oriented and as delegates progress through this program, they undertake case studies and exercises.

Topics include:

  • Risk management process
  • Importance of risk-based supervision (RBS) and distinguish RBS from compliance-based supervision
  • The significance of market risk as a component of risk management and the increasing importance of supervision of market risk
  • The measures of market risk and interpret the results thereof
  • Interest rate risk and identification of its sources
  • Interest rate risk analysis and quantification in banking
  • Interest rate risk monitoring and adequacy of bank's risk monitoring system
  • Interest rate risk control and adequacy of bank's risk control measures
  • The supervisory approaches to interest rate risk
  • Appropriate interest rate risk examination procedures
  • Factors that influence the foreign exchange market
  • Foreign exchange mechanics and conventions
  • Different methodologies used to measure FX risk and assess bank's exposure to FX risk